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    • I have had a secondary thought.  I borrowed £s from a completely separate entity 6y ago. It was personal and unsecured. I was going to repay upon sale of the property. But then repo and I couldn't.  Eventually they applied and got a charging order on the property.  Their lawyers wrote that if I didn't repay they may apply for an order for sale.  I'm not in control of the sale.  The lender won't agree to an order for sale.  The judge won't expedite it/ extract from trial.  Someone here on cag may or may not suggest I can apply for an order v the receiver?  But could I alternatively ask this separate entity with a c.o to carry out their threat and actually make an application to court for an order for sale v the receiver instead?
    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Payday Loans stopping a CPA and Santander


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Hello all,

 

I am getting closer, I think, to being in a position to get control of my finances. I have set up a parachute account for my wages, cancelled my card (lost/fraud) sent letters to all of the lenders asking for a repayment schedule and withdrawing the authority for the CPA.

 

I walked a letter into my local Santander to try and get them to stop the CPA their side and it's taken them three days to get back to me, but they have managed to register a dispute against each of the lenders. They have just said to me that regardless of this is the PDL go to VISA they can still get the transactions authorised!! How is that possible??

 

Santander appear to be supportive and would like me to provide them with all of the evidence of communication between the PDL and myselves.

 

The current situation is that I have not deafualted on any of my PDL yet, I have written to them explaining I will not be able to make payment and requested that they put me into a repayment plan. Should I also be doing this via e-mail or just leaving it to recorded delivery letters.

 

I cannot enter a DMP with StepCHange as my I&E puts me at a negative due to me being paid commission every month.

 

I just want to get on a repayment plan as quickly as possible so that I can get out the other side of this horrible mess. The stress is really starting to hit home as I have bills coming up that I just won't be able to pay.

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I would always advise contact with the lenders in writing and as early as possible to avoid them adding charges. I dont think you need to waste money on recorded delivery letters, an email exchange is more than sufficient. Contact them before default and offer x amount per month for x months. You have done the riht thing with Santander and the lenders, normally this will work, it's only in very rare circumstances that I have heard lenders being able to debit payments even after the card has been cancelled and CPA as well. Let us know what else you need.

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The first response was from swift sterling. They stated that they will be attempting withdrawal of the full amount immediately plus a default fee. All I did was tell them I wouldn't be able to make the payment.

 

What is the next step? Reiterate the situation again, stating that they would be unsuccessful in trying to take full payment?

 

Has anyone any experience with them and repayment plans?

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They stated that they will be attempting withdrawal of the full amount immediately plus a default fee.

 

They would be in breach of fair business practices / regulatory guidance if they were to do this after you have informed them of the situation

 

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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If you have ensured all your income is protected away from these **** in another account you have nothing to worry about.

They will try and take funds from the account you gave them but if you don't have any funds available they won't be paid unless the bank want

to put you into an overdraft which will then be another matter.

 

Just sorted out my wife's Wonga loan in a similar fashion.

1: Letter to bank withdrawing authority for any CPA on her account (recorded delivery)

2: Hand delivered letter into same bank

3: Lost Debit Card reported.

4: Letter to Wonga explaining authority to debit card is no longer authorized.

5: All income moved to an alternative account

 

It seemed to have worked although the bank (Halifax) have not replied to either letter as

asked to confirm all CPA have been cancelled but neither have any funds been taken.

 

Now just need to sort out a letter for Wonga with a payment plan to cover the loan at a

rate wife can afford and not what they want.

 

George

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So should I reply just stating the situation is the same asking for bank details to start making payments etc?

 

I'm happy my money is safe but I just need to cajole SS into a repayment plan without them trying to force money out of my account or adding ridiculous default fees etc.

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  • 2 weeks later...

Right I just thought I would give everyone an update on how I am progressing.

 

Cards Cancelled and new Bank account opened as above.

 

No reply from Wonga or SwiftSterling.

In negotiations with Lending Stream and 1st Stop

QuickQuid were the easiest to deal with, although only to repay the first part of the loan.

 

So far no calls to home phone just the mobile and the usual barage of texts but nothing threatening (although i am sure that will change).

 

I am really struggling financially this month but I have and will not take out another payday loan to pay my way through the month.

 

I'll update again as I go through the mill with these guys.

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