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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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BCW/Hoist Portfolio chasing +9yrs old catalogue debt .... What to do?


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Hi everyone. First post here so be gentle :)

 

A month ago I received a letter from Buchanan Clark and Wells

stating that they are acting on behalf of their client, Hoist Portfolio Holding Limited

(A company who I have had no dealings with, ever), for a £1000 debt I ran up nearly 9 years ago with a catalogue company.

 

I ignored this letter and then recieved another one around a week ago stating

" Notice of impending further action.".

 

They say they are going to advise Hoist to take further action on the account.

 

This could result in CCJ's, warrant of execution etc unless I call them immediately.

 

I could pay the debt off and get it out of the way, but I don't owe them money,

 

I owe it to the catalogue company I ran up the debt with in the first place, don't I?

 

I don't know these people, they could be anyone.

 

The fact that it's 9 years old means it could be SB'd right?

 

If they start sending bailiffs around to my home, would I get any warning first?

 

I'm not entirely sure what to do. Whether to ignore or send them a letter asking for proof I owe them the £1000.

 

What do you guys think I should do?

 

Thank you in advance :)

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Hoist are the new holding name behind Aktiv Kapital (Robinson Way).

 

Anyway, if this debt is definitely SB'd, then send them the SB letter. It is then up to BCW to provide evidence that the debt is not SB'd or to stop writing to you.

 

http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

These letters from BCW are generic and they won't have much info on the debt until they look into it. Send the letter and you should get a response to say that they won't be chasing it any further or that they have found a mystery payment so the debt is not SB'd. If there is a mystery payment, ask for full details of the payment so you can see who made it.

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check your cra file too.

 

you don't need them trashing it with a phantom payment.

 

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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Thank you for your advice both.

 

I checked my cra file 2 years ago and haven't had any other credit since then.

Should I check it again?

I assumed that as long as I didn't apply for more credit that it would stay the same.

 

Also, I remembered something after I posted this post earlier.

 

4 years ago I applied for an administration order through the courts.

 

This debt was on that order. I am pretty sure that I went on to make no payments and the order got revoked,

but I can't be 100% sure as I may of made 1 single payment before moving to another address.

( It was a hard time, a stupid move. I should of kept up with the payments but you know how life can be.)

 

Debt was the least of my worries at that time and my memory is foggy.

 

I'm assuming that if I did infact make that 1 single payment to the court then the debt would not be SB'd?

 

Do you think I should send the SB letter anyway?

I'm 99% sure it's SB'd.

Would I get in trouble for sending the letter if it wasn't actually SB'd?

 

I hope this post made sense, it's a bit confusing.

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yes get an new cra file

use noddle its free

 

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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well unless you've moved

and not updated voters

 

it'll already be there

 

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

got a mobile phone contract or sky/bt/virgin

they'd have gotten it from your cra file

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

then your details will already be on your cra file, via your BB/phone contract

 

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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Sorry I just remembered the phone/bb is in my partners name. I suppose in the long run you're right. I need to register with Noddle and find out exactly where I stand because I'm stabbing in the dark by guessing what will happen. Thank you for you r help :)

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yea wont hurt.

 

worth it in the end

 

might expose other stuff to

that need looking at

 

ps you need to get on voters.

 

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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