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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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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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
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So, they are claiming that breaching the DPA is now a necessity to stop you from shoplifting in the future? Dont forget, they are nothing but a small company making money out of rather misleading and certainly unprovable claims regarding their effieiency at crime prevention. Perhaps they ought to fund a university researcher to look at the subject more dispassionately

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When will Jackie realise that she has NOTHING to do with the legal system and certainly has no authority to breach the DPA in order to stop a person from shoplifting.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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When will Jackie realise that she has NOTHING to do with the legal system and certainly has no authority to breach the DPA in order to stop a person from shoplifting.
Possibly after she has received a restraining order or a claim for damages following the breach ... ?
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That wont stop her. Read the judgement from the oxford case in 2012. Even though the judge was clear, she still tries to say he was wrong and the judgement was flawed. Even though she had no basis for a claim, and the basis she used was very shaky indeed. http://www.lossprevention.co.uk/Court%20Cases.aspx

 

have a read of that. its laughable.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Even though she had no basis for a claim, and the basis she used was very shaky indeed.

 

Reference to the Aerospace V Thames Water case. Found this page of interest: http://addleshawgoddard.net/view.asp?content_id=2785&parent_id=2781 (the full transcript can be found: http://www.bailii.org/ew/cases/EWCA/Civ/2007/3.html)

 

 

The Court of Appeal formulated a three point test:

  • In order to succeed with its claim, a claimant must adduce all the evidence that it could reasonably adduce to show the extent of the diversion of staff;
  • Further, the claimant must establish that the diversion of staff caused significant disruption to its business;
  • If the first two elements can be established, it is reasonable for the court to infer that, had the staff not been diverted from their usual activities, they would have directly or indirectly generated revenue for the claimant in an amount at least equal to the cost of employing them during that time.

Previous cases had left doubt about how to make the link between staff costs and lost profit. The Court of Appeal's formulation confirms the position in R + V Versicherung and clarifies what is to be proved for a claimant to make a successful claim for wasted staff costs.

 

Security staff are employed specifically for duties relating to security (the clue is in the job title),

consequently, they do not contribute to profit of the business.

The cost of employing security staff is an operating cost deducted from the profit margins.

To claim that security staff had been diverted from their normal duties is disingenuous at best.

 

Para. 86 of the above transcript is the most salient section

- Perhaps Jackie would like to bring a copy along with her and demonstrate in what capacity security staff contribute to the profit of a retail business.

She may want to take qualified legal advice first.

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Basically this was the third letter.

 

We write with reference to the above matter and further to previous correspondence.

 

We have recently been aware of your postings on the Consumer Action Forum Group, in which you admit your actions at our clients premises, but do not understand why our client seeks civil recompense from you.

 

As you will recall, we have urged you from the outset to seek legal advice on this matter. seek legal and proper advice or from someone who qualified.

 

Thier clients claim is a civil claim for damages for compensation for its losses. it is entirely seperate from any proceedings in criminal law, criminal law is to convict where a civil one is to place the injured party in the position it would be in had it been for your wrongful act.

 

the monetary resolution that you paid to the police officer in attendance was in conclusion of seperate criminal proceedings only to arising out of this matter.

 

if you contacted us to advise us of the above criminal outcome, we would of negotiated with our clients instructions to an amicable civil matter which could of included a token of payment and/or a written apology.

 

Despite what you have been advised our client is commited to the negation of an amicable settlement, without information from you, we are unable to to advise our client of any representation that you wish to make, to prevent court proceedings being necessary.

 

From not hearing from you, our clients account of the incident may be relied upon accurate account and will be retrained for 6 years.

If we do not hear from you within the next 14 days with information regrading this matter we will be sought on commencement of formal proceedings, or the file will be passed to a specialist company which recovers DEBTS and UNDISPUTED claims for damages.

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Today i got another letter from them.

 

After failing to respond to our correspondence, we can only reasonably conclude that you have no intention of settling our client's claim against you.

 

In absence of settlement, or a Defence, we advise that the full value of the claim remains outstanding.

 

We now have to advise you that the file is ready to be transferred to our recovery agent, which specialises in seeking payment undisputed claims for damages, and for debt.

 

We therefore put you on notice of our intention to transfer the matter without further notification to you, if we do not hear from you within the next 21 days.

 

In order to prevent the matter transferred, contact our collections department to:

 

SETTLE THE CLAIM

 

ARRANGE AN INSTALLMENT PLAN

 

ADVISE OF ANY POTENTIAL DISPUTE

 

ADVISE OF ANY MITIGATING FACTORS YOU WISH TO BE CONSIDERED

 

Failing to contact us will result in the transfer of the matter without any further reference to you/

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oh so they are going to send a doorstepper?

 

I like the way she continually uses the 'big important words like:

 

claim

defence

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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Does she say what she wants to hear from you?

 

I can think of a few words that could be said or you could send the doorstep letter..then she would be screwed as she had heard from you . I know I am playing games so you could add something like

 

Further to letter dated XXXXXX where you state that if you didn't hear from me you would transfer the account .

As I have contacted you I assume that such an honest and reputable company as yourselves will be true to your word and keep the matter in house

Any opinion I give is from personal experience .

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Does she say what she wants to hear from you?

 

I can think of a few words that could be said or you could send the doorstep letter..then she would be screwed as she had heard from you . I know I am playing games so you could add something like

 

Further to letter dated XXXXXX where you state that if you didn't hear from me you would transfer the account .

As I have contacted you I assume that such an honest and reputable company as yourselves will be true to your word and keep the matter in house

 

No. Just say if we do not hear from you within the next 21 days. Will.that work?

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Ignore her silly prattle. She has absolutely NO right to send those letters with that content and has no right whatsoever to tell you where you can get legal advice.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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IMHO you need to stop playing letter tennis. All that needs to be done is to send 1 letter to her denying liability. Then bin or return to sender any other junkmail she sends you.

 

Im waiting for the day she sends these letters to someone, and that person takes formal legal action against her and her company. It's going to happen sooner or later. Its just a matter of time.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ignore her silly prattle. She has absolutely NO right to send those letters with that content and has no right whatsoever to tell you where you can get legal advice.

 

 

Which letter? The one i got today? I knoe she cant. So will there be doorsteppers at my door seeing its being transferred to another recovery place?.

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IMHO you need to stop playing letter tennis. All that needs to be done is to send 1 letter to her denying liability. Then bin or return to sender any other junkmail she sends you.

 

Im waiting for the day she sends these letters to someone, and that person takes formal legal action against her and her company. It's going to happen sooner or later. Its just a matter of time.

 

 

What is IMHO? so basically all i need to write is "deny all libility to you" and that be it?

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We now have to advise you that the file is ready to be transferred to our recovery agent, which specialises in seeking payment undisputed claims for damages, and for debt.

 

Ergo, send a simple one line letter:

 

I deny any liability towards yourself or any other person in relation to this matter. No debt exists, either imaginary or genuine.

 

If/when a letter from a DCA appears, ignore, or respond in the same manner.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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after all this time

 

I would not be sending her anything.

 

they can keep sending you poke-in-the-dark letters

trying to make you respond.

 

but you've already does that when the police officer

told you to put that money in the charity book/box.

 

lookingback on the whole thing

 

i'm actually quite concerned about that action.

 

unless you pay £xx to their named charity, i'm going to give you a FPN?

 

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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Just read Dx's comment about the charity donation and I was and am still very concerned about that. It sounds to me like blackmail which I know is a very ugly word but thats what it sounds like. They are also banking on you being to scared to make a complaint

Any opinion I give is from personal experience .

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A fine is when the police give you a caution and fine you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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