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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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1st stop payday loan problems


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Hi

 

Ive been in discussion with a payday loan lender about the charges they are adding to my account.

 

Originally the balance to payback was £405.

It is now over £700.

This is just interest and charges added on.

 

I had an email glitch months ago, meaning I have no copy of my contract, nor their terms and conditions.

I have asked many times for them to forward me a copy, but they refuse to do this point blank.

 

I have now sent a complaint to them, asking for this info, so

im hoping their complaints process will mean i get the contract and statement of account type thing showing when they have added interest or charges.

 

The reason for this post is really to see if there is anything else I can do to argue about the extortionate charges they keep adding.

 

thanks

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The charges are unlawful and unenforceable as they are all penalty charges. Regarding the interest, it all depends on what the contract says. If they refuse to give you the contract, you can use that against them, but you may well have to issue a SAR and specifically state you want a full copy of the original contract. They cannot refuse it this way.

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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Imp is right :), SAR them and then they have to reply.

 

However also send a £1 CCA Request... See if they have a contract for you.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I asked which address I needed to send a SAR to, they replied providing me with my contract. I then asked if i could have a breakdown of all charges added, they have now done this too.

 

How do I challenge them about adding £308 extra charges, aside from the 300 loan and 105 initial interest payment.

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Ignore them for now, Pay what you actually owe, then deal with charges.

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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they have finally sent me all the documents I requested. After being told several times they wouldnt, as soon as I asked where to send my SAR, they sent me what I needed.

 

Interestingly, on the export showing my charges, they sent me an excel worksheet with 3 more sheets on. Payday Loans, Installment Loans and Collections Calculations. The graphs etc show they have a distinct plan to move entirely from payday loans to installment loans. Im guessing that is to avoid laws either in place, or about to be in place that are specific to Payday loans, not installment loans.

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they sent me the agreement via post, but the statement of my account showing charges etc via email. The email spreadhseet included this other info and graphs about payday loans etc.

 

I didnt take a close look at the agreement, except to see it wasnt signed by me, not sure if it mentions electronic signatures at all...

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A simple tick box counts as a signature now.

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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  • 1 month later...

Ok. So yesterday I received a notice from northompton county court. 1st stop have filed a claim there. i am registered with stepchange, who have been paying 1st stop. 1st stop keep sending me emails with phrases such as "you have not made any offer to pay by installments, or lodge a defence, we will notify the court within 7 days"

 

Now, this is despite me sending them dozens of emails explaining the situation, making a payment on my own before stepchange contacted them, and for a £300 debt, ive paid about £50, but in the court document it is still £751 + £^0 for court costs now.

 

I have a limited time to respond, can anyone offer me some advice please? It comes across as barking mad to continually say I havent contacted them, or made an effort to payback, when they are receiving payments...

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First, make sure you acknowledge the claim using the details on the claim form. Could you post the POC's please.

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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hi, do you mean particulars of the claim? if so, all that is written in that box is "1st stop payday loans ltd agreed to lend the defendant #300.00 on 27th august 2013. the defendant agreed to pay the short term loan back after 30 days. the defendant has failed to meet the repayment of the loan despite many attempts to resolve this." thats it.

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For a professional lender, those Poc's are pathetic. I think since you are in a nationally and legally recognised DMP, and payments are being made without fail, a CCJ is unlikely. Get that AOS in to MCOL, and ill get someone to advise on your defence.

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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" For a professional lender, those POC are pathetic."

 

Are there such institutions in PDL,s? :lol:

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

 

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Ha ha ha professional and payday don't go in the same sentence :-P

 

I'd like to see the outcome of this case... I personally don't think so CCJ will be issued but let's see

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Quite fko...thread moved to the appropriate forum.

 

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

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Its looking more and more likely that this pdl is a one man band. He doesn't even employ a solicitor. Even carter uses a better poc than that and his are vague at the best of times.

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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Seems that way ... The website is a little bit of a joke to be honest... Recently I did a test of the website and found a load of flaws

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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  • 4 weeks later...

Is there any update with this case, my wife had a loan with 1st Stop, we went into financial difficulty and consulted a debt management company who have been paying this PDL for over 12 months. They have been sending her emails threatening Court action for the last 3 months despite payments still going from our DMC to them. This appears to be a similar case and look forward to the outcome

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If they tried any type of court action when they are being paid by a DMP, then they would be very very foolish.

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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