Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Asda/Santander CCJ


leyuads
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4150 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all .

 

First up, thank you all so much for the help that you offer. I am sure that I am not alone in thinking that I would be feeling much more desparate were it not for the knowledge that there are so many helpful people out there .

 

I have posted previously about a variety of debts from a variety of sources which I have. I started with the usual advice of sending letters etc but for one reason or another I lost track of things and got a bit confused how far I had got with everything. The upshot of this was that I got a letter from Howard Cohen & Co. notifying me of legal action and recived my claim form from Northampton. I (just about) replied in time and contested on the basis that I had sent my CPR31.14 request to Howard Cohen but had not yet receievd a response.I then received an Allocation Questionnaire at around the same time that my organisation gave up the ghost so this remained unopened and a judgement was entered against me .

 

The General Form of Judgement was dated 21 October 2011 and the Judgement for Claimant dated 22 November 2011.The total amount owing is £2,220, due to be paid at £125 per month, according to the judgement .

 

The first payment was due December 2011 but no payments have been made to date. I think I had a couple of chaser letters early on from Howard Cohen but had not received anything since then until a letter arrived at the weekend from Scotcall advising that I owed £2,003 (the outstanding credit card amount excluding the court fees) and they were very disappointed that I had not been in touch to arrange repayment .

 

My questions are:

-I assume I need to send Asda/Santander a SAR as I have not yet done this .

-Does anyone think I might have a case for getting the CCJ removed given Howard Cohen's none-reply?

-I am in a position to offer a full and final settlement, but can this be done where there is a CCJ in force?

 

As always, thank you everyone for your help .

 

 

Edited to make it a bit easier to read :)

Edited by leyuads
Link to post
Share on other sites

Hi

 

I think its pretty safe to assume that you have no chance of a set a side on a judgment dating back to Oct 2011 and with no offer of payment for over 12 months.You are lucky they have not decided to execute further by way of an Attachment of Earnings or Charging Order.

They have judgment for the amount on the Order ..there is nothing to stop you offering a F&FS payment but don't be disappointed if there is no response.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thanks Andy

If I was to try to offer F&FS, who would i do that to? Scotcall were not aware that this was a CCJ related debt, so I assume they would not have the authority to make the offer?

So would it be to Santander, the Court or Howard Cohen?

Thanks again

Link to post
Share on other sites

Whoever the claimant was on the Judgment Order.Ignore Scotcall they are the ambulance chaser. I would assume its Howard Cohen but they have over looked collection (and execution by the look of it).

any CCJ that has not been collected or executed within 6 years then becomes Statute Barred and can only be executed by permission of the Court.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Looking at teh judgement the claimant was Santander with address for payment being Howard Cohen.

I'm assuming Santander would not be particularly receptive to an offer for F&FS where they have a judgement against me.

Link to post
Share on other sites

You wont know until you request...but then again you are not being pressured for payment or any other further options of execution being threatened.The Judgment remains on your CRA file for six years paid or unpaid.Think carefully before awakening the Claimant to those facts.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

So the CCJ is on file for 6 years whether I clear it now or 5 years from now?

I have access to a small lump sum and was hoping to get this (and a few other debts) all paid off F&FS with it so that I can make a start on rebuilding my credit rating.

Link to post
Share on other sites

Looks like Howard Cohen and Co have nothing better to do, than use Northampton County court Bulk Centre to perpetrate the fraud they are committing against many people. CCJ only stays on your credit file for 6 years just like defaults. But what people must realise is this, there is no sitting judge at Northampton county court bulk centre so the claimant who is Howard Cohen as they have printed their company name at the bottom, is the one who makes the judgement. Santander Cards UK Limited who purchased debts when GE Capital went tits up as in my scerio pass it onto Lewis group who inturn pass it onto Howard Cohen and Co Solicitors which is a associated company of theirs. Theres a lot of moneky business going and I filed my service docs a few weeks back and will be submitting defence of 2 bills which I Howard Cohen owe me for breach of contract as I have a contract with them. They provided me with no proof that they were assigned anything from santander.

 

A question which should be asked is for Howard Cohen and Co to provide legal proof they are solicitors

Link to post
Share on other sites

Sorry just reading this as I have been served the same kind of papers by this company so where do I go now?

 

Could you please start a thread on this llama.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

I have got my local police comissioner involved and made sure the NCCBC custer service added that I have got my local Police commisioner involved and sent him copies of paperwork and informed him of the fraud and larceny that Howard Cohen and co have perpetrating via the NCCBC.

 

I am working on my final socs and have 3 bills for Howard Cohen as I have got them into contract and they have breached em. I have worded it into a agreement that they will pay my counterclaim fees to.

 

If you want a copy of what I have done, I will send you and I will make it clear my way of doing things is my own personal choice and I am not advising people to follow me. But I am not going to allow these fraudsters to get away with things.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...