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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.

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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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A stupid and rather patronising and paternalistic idea. In the US where similar food stamps have existed for some time now, these stamps are often sold for well below their market value. So $100 worth of food stamps could be sold for as little as $60 or even $50 for quick cash. A pre-payment card on paper should be more secure than printed stamps. However, considering the poor IT contracts successive governments have wasted money on, I wouldn't hold my breath on that one. Many hardened alcoholics and drug addicts will do almost anything to obtain cash to feed their habit. If you deny cash from one source, chances are they'll find it elsewhere.

 

 

Also, if introducing such a pre-pay card to curb alcohol, drug and gambling addictions, why not go the whole hog and introduce pre-pay cards nationwide in lieu of cash? This is precisely the thinking behind the likes of Titus Salt, the Lever Bros. and Cadbury family in creating their model villages, Saltaire, Port Sunlight and Bournville respectively. No alcohol was permitted so no pubs were built. In the case of Saltaire, workers were paid tokens to stop them spending their wages on booze and gambling in the next big town or village. Of course, these Victorian industrialists were acting on a religious moral code just as the odious Smith tries to convince us he's also doing. Except that these industrialists actually did give their workers a generally better standard of living. All Smith offers is a more punitive system and utter failure.

 

 

And surely this goes right against the grain of the Tories banging on about the 'nanny state'?

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You couldn't make some/most of the things up that they come up with

 

Well, someone is making up the statistics that are being quoted: One in 15 working-age benefit claimants in England suffer from addiction to drugs, such as crack-cocaine and heroin, while an estimated one in 25 working-age benefit claimants is suffering from alcohol dependency.

 

I'm sure if one were to ask the DWP or the ONS, they would say "we do not hold that information".

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

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By no means are Labour angels but this Tory regime needs ousting and only the voters can do that in May. Food vouchers? Whatever next? I suppose if you have paid NI and tax for 20+ years you are not entitled to claim now? Disgraceful regime and how IDS has not lost his position with the shambles of UC I do not know - must have some form of hold on CaMORON

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You can talk IDS down as much as you like, and we know he's a nasty man from a nasty party. Unfortunately the public in this country is very judgemental and would probably back these "reforms" and probably demand even more blood. The corrupt tabloid media back the Tory/UKIP block. Labour are not much better. God save us! We're fekced!

"Ask not what your country can do for you, ask what you can do for Poundland"

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A stupid and rather patronising and paternalistic idea. In the US where similar food stamps have existed for some time now, these stamps are often sold for well below their market value. So $100 worth of food stamps could be sold for as little as $60 or even $50 for quick cash. A pre-payment card on paper should be more secure than printed stamps. However, considering the poor IT contracts successive governments have wasted money on, I wouldn't hold my breath on that one. Many hardened alcoholics and drug addicts will do almost anything to obtain cash to feed their habit. If you deny cash from one source, chances are they'll find it elsewhere.

 

 

Also, if introducing such a pre-pay card to curb alcohol, drug and gambling addictions, why not go the whole hog and introduce pre-pay cards nationwide in lieu of cash? This is precisely the thinking behind the likes of Titus Salt, the Lever Bros. and Cadbury family in creating their model villages, Saltaire, Port Sunlight and Bournville respectively. No alcohol was permitted so no pubs were built. In the case of Saltaire, workers were paid tokens to stop them spending their wages on booze and gambling in the next big town or village. Of course, these Victorian industrialists were acting on a religious moral code just as the odious Smith tries to convince us he's also doing. Except that these industrialists actually did give their workers a generally better standard of living. All Smith offers is a more punitive system and utter failure.

 

 

And surely this goes right against the grain of the Tories banging on about the 'nanny state'?

 

It's not about addictions, as those addicted are such a tiny proportion. It is about a moralistic crusade of judgement, where people getting 'government money' are not considered worthy enough to enjoy alcohol or nicotine. Soon other food products would be deemed off limits to those with the cards. Don't get me wrong, I'm very much anti smoking, but I don't believe that government should be allowed to dictate personal spending.

 

I'm so angry about this false moralism that is rampant in the Tories - which in reality is just an excuse to cut for the poorest and increase for the wealthy. sad when a guy who inherits his wealth and has never done a day of work in his life is considered 'worthier' than a guy of the same age, worked till now on minimum wage, who now finds himself unemployed.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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the people who have steady jobs are like sheep.they believe all the media hype ,they think all unemployed have sky tv and loads of dosh.thats why they will back the tories.

 

The "people who have steady jobs" are fewer and fewer and usually older and lucky enough they got a job in a sector where they are unsackable. Wait until a critical mass of un/under/employed forms and only then you'll see some sort of rebellion.

"Ask not what your country can do for you, ask what you can do for Poundland"

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I have absolutely NO problems with IDS introducing Food Vouchers... Absolutely None at all.

Well as long as they cover the cost of a weekly shop at Harrods......

 

You know what it is about IDS and his millions, It's the thought that the paltry amount of tax

he pays is going to be given to someone so that they can actually live for a little while longer.

 

The best people to actually run are the people who live on the dole as they at least

know how to budget to survive

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What would happen to people who don't live within walking distance of major supermarkets? Because of where I live and because I don't drive, I either have to shop at Lidl, Aldi or the small local shops.

 

Maybe MPs expenses should be in the form of vouchers to stop them abusing the system...

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Maybe MPs expenses should be in the form of vouchers to stop them abusing the system...

 

And we should close the 12 or 13 subsidised bars in the Palace of Westminster. As things stand, we're positively inviting drunk legislating.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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