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    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
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    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
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    • You can't, but you can (and really should) bring up the point that the lender isn't meeting their legal obligations in selling the property for fair market value. You'll have to do this in court, though. A receiver is bought in by the lender, not you. If they're a registered insolvency practitioner, you may be able to raise a complaint to the insolvency service but there are no guarantees here. Many receivers are also registered with the RICS and self-regulate so if you know the name of the receiver you can check there, again no guarantees. https://www.rics.org/surveyor-careers/career-development/accreditations/registered-property-receivership-scheme
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hounded by ROCKWELL for personal guarantee - old Ltd com gov't loan scheme


slipway101
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if may but letter.

 

they don't own the debt anyhow

so can take no legal action themselves.

 

did you sar Lloyds?

 

did you request the signed guarantor document?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

HI ,

 

I’m in same situation as you bar the amount is slightly smaller from a Ltd Company Business loan,

company now dissolved.

 

Had two letters from rotwells & 1 from Fenton ignored them all,

 

debt was sold to rotwells back in September this year and as yet no contact

 

As I understand it a personal guarantee is to the original creditor and does not pass to the debt buyer.

 

I have the feeling Lloyds are offloading a lot of bad debt since their split with TSB and possible in preparation a stock sale next year.

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  • 1 month later...

hI Every One

 

Well I have been getting mail from but this is the latest. It seems to me that the matter has been signed over to

 

HOIST PORTFOLIO HOLDING 2 LIMITED

 

It writes to advise me that by an agreement dated 15/10/13 lloyds commercial has assigned all of the rights, obligations and benefits associated with the above account to Hoist Portfolio 2 holding (hph2 ltd) to whom all monies are now due.

 

Please disregard any prior notices that yo may have received from us.

 

Please note that Westcot credit services are managing your account on our behalf....

 

So i think you get the idea. I have enclosed the whole letter for you to see. does this change anything.

 

I am still getting the call and letter. but now that these people own the debt should I be worried.

 

Many thanks for all your help CAG.

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just means the debt has been sold.

 

typically means whom ever owns it has now written it off against tax

and considers it uncollectable or not worth going through a court.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thanks dx

 

You have been great helping me with all your advice, The worries and stress has sent me crazy at times. I'll just wait and see what happens.

 

Like I said in my earlier posts I hope this helps someone else with the same issues.

 

Thanks once again...

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  • 2 months later...

yep

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 years later...

Hello Every One....

 

Upto Date News

 

As you can see its been about 3 yrs sinse i last posted with my problems. PLEASE NOTE ALL THE ADVICE THAT I HAVE HAD FROM THIS SITE HAS BEEN FANTASTIC. All letters have stopped and hassle from money chasers.

 

Thank you so much CAG .... Keep up the great work...

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