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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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My daughter v Halifax


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  • 2 weeks later...
  • 4 weeks later...

Daughter received another letter from Halifax about our question on manual intervention and stating statements will be with her by 21/5 - again. Looks like they are dragging this one out to the full limit - these imbeciles make me sick.

 

They will only owe her more, the longer they hold out.

 

Also I need to mention that they gave her an overdraught of £200 when she first opened the account about 6 years ago and she spent it Christmas 2004 (without my knowledge) even though she had no exact means of paying it straight back.

 

They were sending her letters about it and she eventually went in to see them and agreed to pay it back £20 per month, and they took it out of her account every month. After a while they sent a letter to say she needed to sign a new agreement about it but by then she was burying her head in the sand as she couldnt cope with the worry of not having enough money to live on, because of them taking charge upon charge from her account.

 

They still continued to take the £20 from her account each month and then she started getting letters from a debt collection agency asking for the balance to be paid in full. That is when she told me about her problems so we paid the balance to the DCA but lo and behold halifax have taken 2 more £20's from her account which have incurred even more charges.

 

We went into the bank today and she explained everything about the debt having been already paid and they said she should have cancelled the standing order. She didnt know she had signed for a standing order, only that she had signed some sort of agreement to pay them back £20 per month. Her only fault is that she is naive when it comes to this sort of thing, but surely when the bank received their money back they should have known to stop taking the £20 monthly payment???

 

I must be naive aswell as I thought that is what would have happened once the debt was paid, because I knew nothing about this standing order thing. You see, because its only child tax credits and child benefit that gets paid in she obviously has to use it all as its her money to live on. I told the man in the bank that the charges are illegal and she would be getting all the charges back from them, and it just goes to show that there is no manual intervention at all, otherwise they wouldnt still be taking the £20 out after it had been paid in full, but he just ignored me, or at least seemed to be.

 

Anyway he told a co-worker that my daughter requested a refund of the latest payment as it would make her overdrawn again, and she agreed to refund it but not until tomorrow as she couldnt stop the money coming out today. Too little too late as far as Im concerned.

 

Will any of this stop her from claiming all of her charges back?Any comments or advice on this whole sorry saga would be greatly appreciated.

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Nothing should stop her reclaiming all her money back for charges unlawfully imposed in the first place.

 

I hope you don't mind, but I edited your thread to break the writing up into more managable paragraphs - it was very hard to read in one go, and you'll probably get more response if you make things easier to digest :D

 

I have read somewhere that it is possible to write to a bank to inform them that monies (from benefits) must not be taken to pay charges etc, although it appears that one letter must be sent each time a payment is due in, rather than one 'cover-all' issue.

 

If this is relevant for the future, I will find the terminology again for you.

 

John

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Thankyou so much and i would be really grateful for the letter we could send to the bank to stop charges being taken out.

 

Sorry about that long winded post, its just i was a bit worried when i gathered all the facts together about her problem lol

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We are talking, behind the scenes as it were, about this. I believe it's a 'Right of Appropriation'. Will be talking to CAB and CCCS etc over the next few days to gleen more info, and then we can prepare a letter.

 

In the mean time, maybe her best bet is to open a BASIC bank account with another bank, transfer everything across there, and effectively start from scratch.

 

Do a search for Basic Bank Accounts for more info.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Thankyou very much. Ill tell her to sort another account out. She still has no statements or anything from them and its 40 days this Sunday. They're either inundated with these requests or taking the p***. I wouldnt be too bothered if it was my money, but shes been through a really bad time because of all this, and im hurting too, and fuming. Thanks again.

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She received her statements on 20/5 so I reckon I was right they are taking the p***. Its only because 21/5 was on a Sunday that she received them 1 day before the deadline. Anyway the total they owe her is £763.00, but it will be a bit more when she gets her latest statement. The prelim letter will be handed in to her bank tomorrow.

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Excellent news - remain strong now until you get it all back.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 2 months later...

LBA handed into bank friday 18/8/06 - 14 days before we submit claim - they owe her more money now £884.00. I sometimes find that i cannot get onto this site, but will try to keep you updated. Thanks for all help so far.

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Best of luck...

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 2 weeks later...
  • 12 years later...

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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